Hey Becky   My goodness you are going through a lot to say the least.  I am so very sorry all this is happening to you at once.  Please don't beat yourself up over how you feel.  Anyone in this position would feel depressed.    Let's try to get you over this hump somehow.   Do you have any supports you can rely upon?  You spoke of children...are they grown children?  Is there anyone you can turn to during this rough patch?   I am going to focus on giving you some information on how to get therapy or help without having insurance.  There seems to be a lot of folk in this same boat so maybe the information I give will help others as well.    The National Mental Health Information Center has an on-line publication detailing the types of mental health services offered at no cost.   Here is a site where you can find support groups in your area.   The National Alliance on Mental Illness or NAMI might also be able to help.  Here is a link to find your local NAMI.   You might be able to find a local community mental health center who can help you.  Here is a link showing these centers by geographic location.   And here is a really good link which lists free or discount prescription plan programs should you need an anti-depressant.   I am not sure how bad you are feeling at this point but if you need help NOW because you are feeling suicidal or just don't know where to turn call this hotline:   1-800-273-8255   The call is free and there are people there to answer your call 24/7.  They can also hook you up with your local mental health clinic.   I sure hope that this helps.  You just have to make it over this hump which I am sure seems more like a mountain right now.  Please do write again to let us know how you are doing.